Farmers State Bank & Trust Co.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.97 percentage points higher than in Q1 2026, at 76.98%. Within Illinois, Farmers State Bank & Trust Co. is 151st of 323 on loan-to-deposit ratio, 76.98% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers State Bank & Trust Co. sits 3.86 points lower, at 76.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $90.8M |
| Net loans and leases | $89.6M |
| Loans held for sale | $0 |
| Loans to total assets | 69.72% |
| Loan-to-deposit ratio | 76.98% |
| Net loans to equity capital | 8.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.85% |
| Multifamily (5+ residential) | 4.80% |
| Commercial and industrial | 16.71% |
| Consumer | 4.31% |
| Credit cards | 0.00% |
| Farm | 15.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 93.37% |
| Construction concentration (Tier 1 capital + allowance) | 7.72% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.36% |
| Interest income on loans | $1.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $85.7M | $107.1M | 17.73% | 18.40% | 3.96% |
| Q4 2023 | $85.7M | $110.4M | 16.86% | 18.15% | 3.97% |
| Q1 2024 | $86.7M | $113.3M | 18.09% | 18.44% | 4.10% |
| Q2 2024 | $88.5M | $115.4M | 17.48% | 17.57% | 4.18% |
| Q3 2024 | $87.7M | $113.6M | 17.48% | 17.13% | 4.25% |
| Q4 2024 | $91.7M | $117.3M | 16.63% | 16.86% | 4.30% |
| Q1 2025 | $92.1M | $116.4M | 15.38% | 16.31% | 3.90% |
| Q2 2025 | $91.5M | $117.8M | 16.40% | 15.64% | 3.86% |
| Q3 2025 | $90.4M | $116.6M | 16.41% | 16.18% | 3.93% |
| Q4 2025 | $91.9M | $122.0M | 16.04% | 15.98% | 4.00% |
| Q1 2026 | $89.0M | $118.6M | 15.65% | 15.99% | 4.17% |
| Q2 2026 | $90.8M | $117.9M | 14.85% | 16.71% | 4.31% |
Farmers State Bank & Trust Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank & Trust Co., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers State Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10458) · FFIEC NIC profile (RSSD 510947)